Why the price is on this page

Everything in this market
is built for somebody bigger than you.

Name: WhyAML Verification Credits
Brand: WhyAML
Availability: InStock

We went and asked all of them. Every stablecoin rail, every identity provider, every compliance platform. Every one of them wants you through a gate before they will quote you.

Reconciles into

The price is on this page because you shouldn't have to ask for it.

So here it is, with nothing in front of it.

£150

Twenty clients verified and paid.

£7.50 each · that is the whole thing

Single Portal Credit

✓The payment itself, wallet to wallet

✓The identity check

✓Sanctions and PEP screening

✓The compliance certificate

✓Your client's own record

✓Gas fees

✓Network and transfer fees

What the sanctions and PEP screening covers, and what it does not claim.

PEP and sanctions screening

Politically Exposed Person and sanctions screening is run as part of onboarding a client through WhyAML. The result is recorded on the Broker Compliance Certificate alongside the verification itself, so the screening and the identity evidence sit in the same document and carry the same timestamp.

The cost of the screening is inside the Single Portal Credit. It is not metered, and it is not billed separately from the payment.

WhyAML is not certified under the UK digital identity and attributes trust framework, and is not seeking certification. Certification requires the check to be carried out from a document; the method here is built specifically to avoid holding documents, so the two are incompatible by design rather than by omission. The screening a certified process would include is still performed.

As with every other part of the evidence WhyAML produces, screening supports the firm's own customer due diligence. It does not discharge the firm's obligation, and the decision on whether to act for any client remains with the firm.

£0

One flat credit covers every cost of accepting the payment in full. No transaction fee is charged, and no card-processing fee of 1.5 up to 3.5 percent applies. What your client sees is what lands in your wallet.

You do not have to talk to anybody
to find out if this works for you.

Buy twenty credits this afternoon. Use three next week and the rest next year, because they stay valid for twenty-four months and nothing bills you in between. If it does not fit, you have spent one hundred and fifty pounds finding out.

No sales callNo contractNo minimumNo subscriptionNo notice period

The other half of the credit

The money arrives with the paperwork already done.

You are a supervised firm. You were always going to have to evidence who paid you. That part is inside the credit too, and it lands at the same moment as the money.

What regulators want

The Compliance Certificate

Tap to expand

This is what regulators want to see.

A documented, immutable record of customer due diligence. When they ask, just hand them the PDF.

The evidence side, handled

Everything that proves it, in one document.

The client, the institution that verified them, the screening result and the payment. One page, one reference, no assembly.

Who was verified, and when
Which regulated institution stood behind it
What the sanctions and PEP screening returned
The payment it belongs to
An immutable reference, if anyone ever needs it

Tap the certificate to expand it

What the certificate records, and what it evidences for the obliged entity.

The Broker Compliance Certificate: audit-grade record for HMRC inspection

The Broker Compliance Certificate is the immutable, dated record produced for the obliged entity at the conclusion of every verification. It evidences the identity check performed, the G-RADE™ (confidence scoring) band achieved, the fact that the verification was anchored to a regulated institution, and the date and time of the check. It does not expose the institution's name, the wallet, or the underlying behavioural detail.

The Certificate is the document the firm presents to HMRC during an MLR 2017 inspection. Together with the Technological Due Diligence (TDD) document, it evidences both the verification carried out under Regulation 28 and the record-keeping requirement of Regulation 40.

The firm retains the Certificate; the underlying personal data does not transfer to the firm. This separation is fundamental to WhyAML's data-minimisation architecture.

The TDD pack

Technological due diligence on the method, written for your practice-wide risk assessment. The homework you would otherwise have to do before adopting anything new.

Goes in your risk assessment

Your client's own record

They keep a portable record of the verification in their own wallet. Next time they pay a firm on this network, the check is already there.

Goes to your client

Re-witnessed, not re-collected

Every payment is its own verification event. The evidence in your file is from today, not a memory of a check somebody ran two years ago.

Every time they pay

Regulation 28

Verification from a reliable source independent of the person. A regulated institution is one, and your client already holds an account at one. The payment proves they control it.

Regulation 28, MLR 2017 - the statutory wording, and why an institutional check is a reliable independent source.

Regulation 28: the substantive basis for identity verification

Regulation 28 of the Money Laundering Regulations 2017 requires customer identity to be verified from a reliable and independent source. This is the substantive legal foundation on which WhyAML's verification methodology stands.

The standard it sets is technology-neutral: FATF Recommendation 10, which Regulation 28 implements, permits verification from information or data rather than documents alone. It is met by cumulative evidence to a standard of reasonable certainty - the approach the JMLSG Guidance describes (Part I, Chapter 5), under which a single check is normally insufficient on its own, and the basis on which WhyAML's layered evidence is assessed.

A regulated financial institution that has performed customer identity checks under its own regulatory obligations is such a source. At present these are FCA-registered crypto-asset firms, supervised for anti-money-laundering purposes under the Regulations; a later phase extends this to FCA/PRA-authorised banks, accessed through read-only Open Banking. WhyAML does not adopt or rely on that institution's due diligence - Regulation 39 (reliance on third parties) is not engaged - it independently witnesses the individual's authenticated, ongoing control of the relationship. Regulation 39 governs reliance on another regulated firm's completed due diligence under a written arrangement; here the institution is unaware of the check and supplies nothing, so the arrangement that would make it reliance never arises - consistent with HMRC's position that electronic verification of this kind is the firm's own due diligence, not a reliance arrangement (Economic Crime Supervision Handbook, ECSH33357).

What the method produces is a verification anchored in a real, regulated relationship with genuine economic activity: a fraud-traceable record at an accountable institution, rather than a static document that can be forged. This is what the anti-money-laundering regime exists to enable.

Regulation 28 is the rule that makes the method lawful. It is distinct from Regulation 19(4)(c), which is the procedural rule under which a firm records its decision to adopt the technology.

Regulation 19

Documented policies and procedures, proportionate to your business. The TDD pack is written to sit inside yours, so adopting the method is recorded rather than assumed.

Regulation 19(4)(c) - the written assessment required when a firm adopts a new technology.

Regulation 19(4)(c): the procedural record of technology adoption

Regulation 19(4)(c) requires obliged entities to assess the risks of adopting new or developing technologies for AML purposes, and to record that assessment in writing.

It is the procedural mechanism by which a firm files its decision to use new technology - not the substantive justification for the verification itself. The substantive justification comes from Regulation 28 (reliable and independent source).

WhyAML provides each customer with a Technological Due Diligence (TDD) document written to support the Regulation 19(4)(c) assessment. The firm files it within their Practice-Wide Risk Assessment, and the assessment remains the firm's own.

This is evidence that supports your verification and your documented procedure. It does not discharge your obligation, and the decision on any client remains yours. That is the last thing we will say about compliance on this page.

Why it is this price, and why it stays

We priced what we built, not what we stitched together.

Not a launch offer, not a land grab, and not a number that quietly moves at renewal. The cost is low because the architecture removed the expensive parts rather than absorbing them.

Document storage

£0

Nothing held, so nothing to secure, insure or eventually explain

Biometric licence

£0

No face-match engine to pay a third party for, per check, forever

Custody

£0

Wallet to wallet. No client money held, so no capital to hold against it

WhyAML

£6

Per check at volume. Identity, payment and every fee inside it

The usual pattern

A price that has to go up eventually.

A provider priced below its own costs is spending somebody else's money, and that money has to come back. It comes back through your invoice, at renewal, once you have moved your clients onto it and moving off is somebody's whole quarter. The first invoice is the marketing. The third one is the business model.

Why ours doesn't

We own the method, so nobody is charging us for it.

The Witness Model is patented and ours. There is no per-check licence being paid upstream, no document store growing every year, and no custody to capitalise. The price is low because our cost is low, which is why it holds at volume instead of resetting.

You are not buying into a platform you will have to negotiate your way out of.
You are buying twenty credits.

The packs

Pick one. Start today.

Credits are drawn down as you use them and stay valid for 24 months. Larger packs bring the per-credit price down.

Starter

£150

20 credits

£7.50 per credit

Get started

Most practices

Practice

£260

40 credits

£6.50 per credit

Get started

Volume

£420

70 credits

£6.00 per credit

Get started

All prices exclude VAT. Buy more at any time. A credit is used each time a client is verified, and each time they pay.

No commitment

Nothing to sign, nothing to cancel.

No contract

Buy credits, use them when you need them.

24 months to use them

Valid for two years from the day you buy.

Works today

No IT project, no training, nothing to implement.

Full documentation

TDD pack for your practice-wide risk assessment.

Our fault, our cost

If a check fails on our side, you keep the credit.

Higher volume, or building it into your own product? That is handled directly. Book a call

Twenty credits

£150, and you can start this afternoon.

No sales call, no contract, no minimum. If it doesn't fit, you have spent a hundred and fifty pounds finding out.

Buy twenty credits Questions people ask first

Credits stay valid for 24 months. Prices exclude VAT.

Everything in this marketis built for somebody bigger than you.

The money arrives with the paperwork already done.

The Compliance Certificate

Everything that proves it, in one document.

The TDD pack

Your client's own record

Re-witnessed, not re-collected

We priced what we built, not what we stitched together.

A price that has to go up eventually.

We own the method, so nobody is charging us for it.

Pick one. Start today.

Nothing to sign, nothing to cancel.

No contract

24 months to use them

Works today

Full documentation

Our fault, our cost

£150, and you can start this afternoon.

Everything in this market
is built for somebody bigger than you.